aging · AS · observations · Paralegal Studies

I Need a Lifeline

Haven’t knitted a thing in days! Thought April would never end. Now, the day after May Day, International Workers Day, I must pick up my work in progress and add a lifeline as an afterthought because my Bird’s Eye Lace section is off.

A day without knitting is like a day without knitting, I tell you what. I don’t like having to do without. So many tasks to accomplish in April, but at the least my property taxes have been paid and should be lower the next time I have to pay them. Nothing is more sure than death and taxes.

Completed my interview with Pissed Consumer. That was difficult as it was hard to find a neutral background in this rectangular rat trap.

Spoke with Building and Safety and have to laugh every time I think of the excuse I was given for the CFO (Certificate of Occupancy) that was issued to Vince Paglia having an issue date of 21 September 2017 when the structure wasn’t given final approval for occupancy until 11 January 2018. CONSUMER ALERT A contractor submits the CFO to the insurance adjuster to receive payment. It is a form of proof of work completed. Vince Paglia had this document in February though the Permit Date on the CFO is March 2017. My home was demolished in February 2017, the month the first check was issued to Paglia. There is no itemized statement in my claim file to provide a breakdown of the payment and Kent Stiles will not provide the statements no matter how many times I request them.

I asked the representative from Building and Safety if it was usual to issue a CFO when there was no structure standing on the property and was told no, the issue date was a “typo”. In 30 April 2019, the CFO issue date of 21 September 2017 is damn near two years old. Helluva duration for a “typo”. If I’d never brought the discrepancy to anyone’s attention, that “typo” would be word.

It takes a long time to get over being gaslighted for a couple of years and then having to go through the grueling ordeal of uncovering the evidence, following clues to get a documentation trail established. Research and investigations is long, tedious, hard work.

A typo. Picture me laughing.

AS · Bad Faith · Building Contractor Scam · Criminal Organizations · Insurance · Insurance Claims · Insurance Scam · Paralegal Studies · trauma

In Compliance

According to the associate insurance compliance officer with the State of California Department of Insurance, Safeco Insurance has handled my claim in complete compliance with the Insurance Code and the Fair Claims Settlement Practices Regulations. Therefore, the following is all perfectly legal.

It is in compliance with the Insurance Code to respond to a claim 19 days after it is reported.

It is in compliance to fail to provide repeatedly requested documents that supersede an engineering report upon which claim settlement was based.

It is in compliance to fail to provide repeatedly requested itemized statements that accompanied checks paid to the contractor that should be in the claim file.

It is in compliance to fail to provide documentation of a whole-house red tag, upon which the destruction of my home and undamaged workshop was based that should be in the claim file.

It is in compliance to fail to report the rebuilding of my home, to carry the claim as repair only, and to fail to report the changes to Underwriting.

It is in compliance to falsify documents like the statement that itemized more than $80K of goods and services that were not performed nor were installed at this site.

It is in compliance to ignore consumer’s repeated reports of malfeasance.

It is in compliance to fail to honor the fiduciary responsibility the insurance company owes the consumer.

Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Health and wellness · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · trauma

CRIME SCENE

As of Earth Day tomorrow I will be living in this crime scene for over a year and have been attempting to resolve my problem with Safeco Insurance for three years.

Safeco adjuster Kent Stiles continues to fail to provide me with requested documentation. Vince Paglia lies to the Contractors State License Board about plans that never existed.

I am unable to get corresponding, itemized statements like the only one I have that corresponds to an $80+K check for materials and services not provided here, but paid for by Kent Stiles.

I am exceptionally tired of living in this crime scene. I think I have succeeded in having my property taxes lowered as I was finally able to get the assessor to come back out here and measure the property. When he came here before, he didn’t measure. He took pictures and the contractors word for the dimensions of the structure. The contractor told him the structure measured 816 sq ft. It actually measured 585 sq ft.

Not only are the insurance company and contractor crooked, the Los Angeles County Building and Safety seems to have some issues with their building inspectors. Not all of them are honest dealers. I had to write an online request to get the appraiser to come back here. He took a page from Stiles and Paglia and ignored my first three calls. Sending written notification prevented him from ignoring me any longer.

I am so angry about this situation that I could not sleep at all last night. Three years of claim mishandling and abuse from Safeco and Protech. Insurance companies have a fiduciary responsibility to their consumers. I should not have been less well off than I was before I filed my claim for damages. I should not have a smaller house with no amenities. I should not have to continue being a customer of Safeco, but I have already experienced Stiles’ manipulation of the information regarding my claim; he attributed my claim to water damage when it was wind that blew a tree limb onto the roof of my bedroom, the only room damaged in the incident. Stiles and Paglia destroyed my undamaged workshop, the entire front three-quarters of my home, all of my landscaping grown to support pollinators. I had to look at my front yard, barren and without any growth, or color for such a long time that I refuse to cut the grass. I prefer looking at green to brown.


Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · Homeownership · Insurance Claims · Insurance Scam · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud

AVOID SAFECO INSURANCE and PROTECH CONSTRUCTION continued

Kent Stiles is a Senior Claims Resolution Specialist III for First National Insurance Company of America, the underwriter for Safeco Insurance. He is a crafty yet craven man. He will not answer direct questions about his handling of my claim. Yet, he is the only person I am allowed to talk to when I call about my claim. He lies, twists facts, or will not answer questions that he doesn’t want to answer. This is bad faith.

I requested a copy of my claim file through an individual who answers the phone at Safeco. The pleasant woman happily sent what was enclosed in my claim file at the time of my call. I received a sheaf of papers that detailed work and materials that did not exist on this site. No hardwood floors, no vent-free infrared heaters, no alder door. I don’t even have a back door, though I used to.

Once I started questioning Stiles about this invoice and telling him that the items were not present at this site, that he should not pay Protech, he straight ignored me and sent payment for $80+K. I have repeatedly asked him why he did this, but he never answers this question no matter how directly it is put to him. This, too, is bad faith.

I requested my claim file directly from Stiles’ alleged supervisor, Jeffrey Walker, and received a large box full of documents. At the very top was the engineering report I’d asked Stiles about over two years ago. You see, he kept my claim file on a restricted status after I received it directly from Claims. No other eyes but his or his Claims Department cronies could view my file, and one adjuster, James Hudson, said he wouldn’t read the file anyway.

How can I trust these people? They have closed ranks to protect their own and no one at Safeco cares about the now well-documented damages I’m suffering.

Kent Stiles wrote my claim up as repair only. All paperwork relates to repair only. It would have stayed at repair only had I not begun to fight with him about my treatment. He is currently trying to spin what was obviously a rebuild. This structure is smaller than my home. This structure is poorly constructed. My home was well-built by hand of old walnut. That’s likely why it stood up to the blow of the tree fall. My property taxes have tripled when the assessor didn’t bother to get the correct measurements of this structure.

This claims experience has been exceptionally awful, but there seems to be no help for me coming from within Safeco.


aging · Bad Faith · Building Contractor Scam · Criminal Organizations · Insurance Claims · Insurance Scam · Law · Probate Housing Creditors Mortgages Mortgage Fraud · trauma

AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION continued

From $48K to $430K. How did we get from one point to the other? Very illegally, step by step.

In the midst of being packed out of my home, I chanced upon a letter from Safeco that said my insurance was going to be cancelled for non-payment of the premium. I couldn’t understand why that would be because my premiums were pulled directly from my bank account and there was plenty of money to pay it. I called to correct this matter and found out the mortgage servicer who accepted payments for a loan my mother had before she died replaced their name on the insurance as a lienholder. Following the probate proceedings, where no claim was made against the estate by this loan servicer or any other entity, and I was awarded the property, free and clear, I removed MGC Mortgage from the homeowner insurance that I had been paying for years without my name being listed on the property.

MGC Mortgage, who I later learned represented Beal Bank in Texas, called Safeco and had their name replaced on the insurance and told Safeco they would be responsible for paying the insurance going forward. This is how my premium came up for cancellation; MGC Mortgage aka Beal Bank was trying to gain control of my property for the sum of $25,5K. They failed to pay the premium because they were trying to steal my home based on a false claim of having a Trust Deed against the property.

I don’t know when, exactly, my premium payments stopped coming out of my bank account, but it must have been just prior to the tree fall. My complaint about this led to the loss of my first adjuster, Trevor Haaswyk and opened the door to the King of Rip-Off Kent Stiles.

I will add to this story over the course of the day as I remember all that has transpired since 22 April 2016 continuing to today.

Bad Faith · Building Contractor Scam · Criminal Organizations · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · social observation · Sociology · trauma

AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION

If you have an insurance policy with Safeco Insurance, you should look for another provider. There is something terribly wrong with a company that is supposed to have the consumer’s trust but won’t answer questions, lies to your face, bullies you, and destroys your home with no consequences.

The low premiums lure you in. Just don’t file a claim. It took 19 days to get a response from Safeco after a huge tree fell on my home. Good thing my home was made of old, hard walnut wood, else I might be dead now.

Finally, an adjuster responded, sent an appraiser to assess the damage. He couldn’t make a full assessment because he could not see the inner workings of the house, the beams and such, so he called for an engineer. The engineer assessed the damages as being confined to my bedroom. No other rooms were involved and no damage was done to my workshop at the rear of the property. The amount needed to repair my home was set at $48K, detailed in a dated engineering report (Donan Engineering) with an expiry date of March 2018.

How did my bill come to $430K? Come back tomorrow and I’ll tell you.